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Engagement Rings Insurance

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You should insure your items for the full replacement as new cost in the UK

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Home / Jewellery Insurance / Engagement Rings Insurance

Engagement Rings Insurance

An engagement ring is one of the most important and valuable purchases you will ever make, so you will want to ensure it’s properly protected with a good quality insurance policy. At Assetsure, we have a policy that has been specially designed to insure single precious items and cover is securely underwritten at Lloyd’s of London and administered in the United Kingdom

Insurance for your Engagement Ring on its own

Unlike most insurers, we are quite happy to provide insurance for single items of jewellery on their own and we won’t insist you insure the rest of your home with us.
We realise that owners are often people who are just setting up home or perhaps still living with parents or in rented accommodation or with little other contents that require covering, thus cover for a single valuable object is all that is required.

Our policy is ideal if you are in this situation and only want to cover just one item. On other occasions, especially if an item has acquired a new valuation, the ring falls outside the monetary limits of a standard home insurance policy and if you find yourself in this situation,we should be able to assist you with cover.

We may be unable to restore the sentimental value of a precious item, but we can provide insurance protection to compensate you for your loss by quickly providing a replacement.

We are based in the UK and our policies are designed for persons that are normally resident in the United Kingdom, we provide worldwide all risks cover with no restrictions on how many trips abroad you can make (maximum duration of any one trip is 60 days).

Insurance cover especially designed for Engagement Rings

The biggest fear with engagement rings, is that the settings will become loose and the stone will be lost, the diamond forms the bulk of the value in the ring and our policy will cover the actual physical loss of the diamond. In the event of a claim, we will endeavour to obtain a diamond that is as close to the original as possible.

Some of the features of our policy are as follows;

  • Worldwide All Risks Insurance We provides physical loss or damage for your engagement ring or other items of.jewellery on a worldwide basis. Essential cover as settings can work loose and stones become lost.. Not limit to the number of trips abroad that can be made of up to 60 days maximum duration per trip
  • No Excess- If you have to make a claim under your policy we do not deduct any excess for specified items
  • Specified Items- We will provide you with a schedule of insurance specifying your ring. If you have other items of jewellery, we will be pleased to add them on as well.
  • No bonus to lose- By insuring your engagement ring separately with us, you can help protect any valuable no clams bonus earned under your home insurance policy.
  • A variety of payment options- We accept PayPal, all major credit and debit cards and monthly direct debits.
  • Money back guarantee So confident are we in our policy, we will even give you a full 30 days to review our policy wording and change your mind if you are not satisfied.

Dealing with Assetsure couldn’t be simpler and your precious item ring can be covered quickly and efficiently by making one quick call or completing our web enquiry form. If you have any questions or simply require some advice, we will also be pleased to hear from you.

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Extensive Cover icon-thin-chevron-down

Our policy provides all-risks cover as standard. This means events such as loss or damage are covered with fewer exclusions and warranties.

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Worldwide Cover icon-thin-chevron-down

You are covered anywhere in the world for trips up to 60 days.

Single Item Insurance icon-thin-chevron-down

We can insure your engagement ring on it's own or you may like to add other items such as wedding rings or other items of jewellery.

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Protect your no claims bonus icon-thin-chevron-down

This is a "stand-alone" policy, any claim will not affect any no claims bonus you may have under your home insurance

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First class claims service icon-thin-chevron-down

We settle claims "in house" and in the event of a loss we'll work with you and our industry contacts to settle your claim as quickly as possible. Most policies are excess free

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Insured at Lloyd's of London icon-thin-chevron-down

This policy is underwritten at Lloyd's of London, the worlds oldest continuous insurance market.

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Your Questions Answered

Are there any Age restrictions? icon-thin-chevron-down

The Assetsure Insurance policy is available to persons over the age of 21

When will I receive my policy? icon-thin-chevron-down

Your policy will be delivered instantly by e-mail. Cover will start from the date you request

How long does it take to arrange insurance? icon-thin-chevron-down

In most cases, we can provide cover the same day that you request it, simply use our calculator and you can buy the insurance online immediately. In cases where we cannot quote online, we endeavour to provide you with a quotation within 24 hours during the week.

Is there any excess to pay following a claim? icon-thin-chevron-down

The policy has no excess to pay following a claim

If I lose a stone will I be covered? icon-thin-chevron-down

Sometimes a stone drops out of a ring and cannot be located, this will be covered by the policy

How much should I insure my Engagement ring for? icon-thin-chevron-down

You should insure the item(s) for the full replacement value as new in the UK.

How will you settle my claim? icon-thin-chevron-down

The most we will pay in total for each incident of Loss is the Amount insured which you choose when you take your policy out. Please make sure this to sufficient replace your item at UK retail prices.

How do I prove what my item is worth if I need to make a claim? icon-thin-chevron-down

In the event of any claim being made for Loss of or Damage to any insured item, the onus of proving the existence, ownership and value of the item shall be upon you to prove. We accept the following items as proof of existence and Ownership;

For Items less than 5 years old
A personalised and dated purchase receipt or bill of sale detailing the insured item.
A debit or credit card or bank statement detailing the amount paid.
If a private sale, dated correspondence relating to the sale such as a letter or e-mail identifying the seller of the item.

For Items more than 5 years old
Any of the above items.
Photographic or other dated documentary evidence such as a personalised valuation or service receipt.
A valuation with full description of the item from a United Kingdom based Jeweller or Valuer stating their contact details and business credentials.

Who will I be insured by? icon-thin-chevron-down

The Assetsure Insurance policy is underwritten at Lloyd’s of London